Federal credit union · Lynn, Massachusetts · NCUA charter #484
Lynn Firemens
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $20.1M
- Total assets
- 1,592
- Members
- 15.5%
- Net-worth ratio
Lynn Firemens - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #484: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Lynn Firemens - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth82
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.49% | 30% |
| Delinquency Rate | 0.51% | 25% |
| Return on Assets | 2.10% | 15% |
| Member Growth | 2.71% | 15% |
| Loan-to-Share Ratio | 85.47% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $20.1M | 1,592 |
| 2024Q4 | $18.5M | 1,550 |
| 2023Q4 | $18.9M | 1,519 |
Credit Union Details
- Charter Number
- 484
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Lynn
- Data Quarter
- 2025Q4
What This Data Says About Lynn Firemens
Charter #484, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Lynn Firemens, a federal credit union in Lynn, Massachusetts with 1,592 members, $20.1M in total assets, and $13.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 97/100 (Excellent), helped by a net worth ratio of 15.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.51% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 85.47% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.10% on net income of $423K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.71%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Low Income); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Lynn Firemens financially healthy?
A 15.49% net worth ratio and a 0.51% delinquency rate feed into Lynn Firemens's financial health score of 97/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Lynn Firemens compare to other credit unions?
97/100 is Lynn Firemens's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Lynn Firemens?
Lynn Firemens carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Lynn Firemens directly to confirm current membership steps.
Is my money safe at Lynn Firemens?
Federal credit unions like Lynn Firemens are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Lynn Firemens's net worth ratio of 15.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lynn Firemens offer compared to banks?
Credit unions like Lynn Firemens are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Lynn Firemens directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.